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Credit Risk Modeler Jobs in Texas (NOW HIRING)

HSBC Global Services Limited

Proactively identify emerging risks (market, sector, model, correlation, concentration, liquidity ... Risk appetite and governance: Contribute to risk appetite calibration, deal guidelines, portfolio ...

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All JobsCredit Risk Modeler JobsCredit Risk Modeler Jobs in Texas

Credit Risk Modeler information

See Texas salary details

$112K

$130.5K

$168.6K

How much do credit risk modeler jobs pay per year?

As of Aug 19, 2026, the average yearly pay for credit risk modeler in Texas is $130,506.00, according to ZipRecruiter salary data. Most workers in this role earn between $119,200.00 and $133,600.00 per year, depending on experience, location, and employer.

What does a credit risk modeler do?

A Credit Risk Modeler is responsible for developing statistical models and analytical tools to assess the likelihood that borrowers will default on their loans or credit obligations. They use data analysis, statistical techniques, and machine learning algorithms to predict credit risk and help financial institutions make informed lending decisions. Their work involves gathering and cleaning data, building predictive models, validating model performance, and ensuring compliance with regulatory standards. Credit Risk Modelers play a crucial role in managing a bank's or lender's exposure to financial risk and maintaining a healthy loan portfolio.

What are the key skills and qualifications needed to thrive as a credit risk modeler?

To thrive as a Credit Risk Modeler, you need a solid background in quantitative finance, statistics, and data analysis, often supported by a degree in mathematics, finance, or a related field. Familiarity with programming languages such as Python, R, or SAS, as well as experience with risk modeling frameworks and regulatory requirements like Basel III, is typically required. Strong analytical thinking, attention to detail, and effective communication make a candidate stand out in this role. These skills are crucial for accurately predicting credit risk, ensuring regulatory compliance, and supporting informed decision-making in financial institutions.

How does a credit risk modeler typically collaborate with other departments within a financial institution?

Credit Risk Modelers frequently work alongside data scientists, underwriters, compliance teams, and business analysts to develop and refine risk assessment models. Collaboration with IT teams is common for implementing models into production systems, while regular interaction with regulatory and compliance groups ensures models meet legal standards. Effective communication with stakeholders is essential to translate technical findings into actionable business strategies, making cross-functional teamwork a key part of the role.

What is the difference between Credit Risk Modeler vs Credit Analyst?

AspectCredit Risk ModelerCredit Analyst
Required CredentialsBachelor's degree in finance, economics, or related field; often certifications like FRM or CFABachelor's degree in finance, accounting, or related field; certifications like CFA are common
Work EnvironmentQuantitative teams, risk management departments, financial institutionsBank branches, lending departments, credit departments
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that Credit Risk Modelers develop statistical models to assess and predict credit risk, focusing on quantitative analysis. Credit Analysts evaluate individual creditworthiness of borrowers, primarily through financial statement analysis and credit reports. Both roles require financial knowledge, but Modelers are more data and model-focused, while Analysts are more client and credit evaluation-focused.

What are popular job titles related to Credit Risk Modeler jobs in Texas?

For Credit Risk Modeler jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Credit Risk Modeler jobs in Texas look for?

The top searched job categories for Credit Risk Modeler jobs in Texas are:

What are popular job titles related to Credit Risk Modeler jobs in TX?

For Credit Risk Modeler jobs in TX, the most frequently searched job titles are:

Credit Risk Modeler jobs near you
Infographic showing various Credit Risk Modeler job openings in Texas as of August 2026, with employment types broken down into 86% Full Time, and 14% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $130,506 per year, or $62.7 per hour.

SF Risk - Risk Analysis - Senior Associate

Fannie Mae

Plano, TX • On-site

Full-time

Medical, Life

Posted 23 days ago

Fannie Mae rating

9.0

Company rating: 9.0 out of 10

Based on 8 frontline employees who took The Breakroom Quiz

Job description

Playing an essential role in the U.S. economy, Fannie Mae is foundational to housing finance. Here, your expertise can help fuel purpose-driven innovation that expands access to homeownership and affordable rental housing across the country. Join Fannie Mae to grow your career and help people find a place to call home.
Job Description
As a valued colleague on our team, you will contribute to risk monitoring and reviews for the organization, coordinate risk mitigation activities, and provide risk mitigation assistance to other groups.
Please note this position can be based out of one of our 3 Hub Offices in Plano, TX, Reston, VA or Washington DC
THE IMPACT YOU WILL MAKE
The Book Portfolio Credit Risk Senior Associate role will offer you the flexibility to make each day your own, while working alongside people who care so that you can deliver on the following responsibilities:
  • Assist team with monitoring and identifying risks to our portfolio through data analysis.
  • Report on risks and participate in developing solutions.
  • Provide data and quantitative analytics support to the SF leadership related to credit risk
  • Perform analysis to develop risk outlook to facilitate forward-looking credit risk management
  • Conduct research on emerging risks, to identify, assess and report emerging risks based on economic, market and other conditions
  • Assist with coordinating risk activities across groups.
  • Support team with risk mitigation strategies.
  • Carry out tasks to avoid risks or mitigate their impact.
  • Shows curiosity and adaptability in learning and responsibly applying new technologies, including artificial intelligence, to reimagine how we work.

THE EXPERIENCE YOU BRING TO THE TEAM
Desired Experience
  • Bachelor's degree or equivalent; advanced degrees in related areas (e.g. quantitative finance, economics, statistics, etc.) preferred. At least 2 years' full-time working experience in related areas required.
  • Possess an understanding of residential mortgage credit risk as well as experience analyzing portfolio characteristics, identifying risk drivers, and proposing risk mitigation solutions.
  • Credit risk modeling and stress testing experience a plus
  • Experience with data analysis and utilizing data to identify trends or relationships to provide insights and inform decisions based on sound analysis. Experience gathering accurate information to explain rationale and answer critical questions.
  • Experience monitoring, forecasting, and measuring credit risk, conducting risk assessments, and identifying gaps in existing risk monitoring frameworks.
  • Strong skills in data query and processing using such tools as SQL, Python, and R
  • Experience in utilizing AI tools and technologies (such as ChatGPT, Copilot) to improve process, generate deliverables and gain efficiencies
  • Excellent verbal and written communication skills. Skilled in graphical representation of information using charts, diagrams, and dashboards with programs and tools such as Excel, Tableau, or Power BI. Proven ability to present information and ideas to audiences in a compelling way that is engaging and easy to understand.
  • Demonstrated relationship management skills with the ability to manage and engage stakeholders and build relationship networks. Able to effectively work with people with different functional expertise respectfully and cooperatively towards a common goal.
  • Experience in influencing including persuading others, facilitating meetings, and resolving conflict to improve or correct performance to achieve desired outcomes.
  • Skilled in Tableau
  • Skilled in Excel
  • Experience with SQL, Python, R

#LI - TW1 - Hybrid
Qualifications
Amazon Web Services (AWS), Amazon Web Services (AWS), Artificial Intelligence (AI), Collaborating Cross-Functionally, Communication, Credit Risk Analysis, Credit Risk Modeling, Credit Risk Reporting, Data Analysis Interpretation, Data Mining, Data Query, Data Query Language, Data Visualization, Documentation Reporting, Identifying Risks, Machine Learning (AI), Predictive Modeling, Python (Programming Language), Quantitative Risk Analysis, Relationship Networking, Research Facilitation, Residential Mortgages, Risk Analysis, Risk Assessments, Risk Monitoring {+ 3 more}
Education:
Bachelor's Level Degree (Required), Master's Level Degree
The future is what you make it to be. Discover compelling opportunities at Fanniemae.com/careers.
For most roles, employees are expected to work onsite on a regular basis at their designated office location. In-office work cadence is determined by your manager. Proximity within a reasonable commute to your designated office location is preferred unless the job is noted as open to remote.
Fannie Mae is an equal opportunity employer and considers qualified applicants for employment without regard to race, color, religion, sex, national origin, disability, age, sexual orientation, gender identity/gender expression, marital or parental status, or any other protected factor. Fannie Mae is committed to providing reasonable accommodations to qualified individuals with disabilities who are employees or applicants for employment, unless to do so would cause undue hardship to the company. If you need assistance using our online system and/or you need a reasonable accommodation related to the hiring/application process, please complete this form.
The hiring range for this role is set forth below. Final salaries will generally vary within that range based on factors that include but are not limited to, skill set, depth of experience, certifications, and other relevant qualifications. This position is eligible to participate in a Fannie Mae incentive program (subject to the terms of the program). As part of our comprehensive benefits package, Fannie Mae offers a broad range of Health, Life, Voluntary Lifestyle, and other benefits and perks that enhance an employee's physical, mental, emotional, and financial well-being. See more here.
Requisition compensation:
96000
to
124000

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